Famima Card → FamiPay: 5% Back on Aug 7 & 14 (up to 5.6%)

The offer at a glance

Pocket Card, the issuer behind the Famima Card, is running something short but refreshingly simple: on 7 and 14 August only, topping up FamiPay by credit card with a Famima Card earns 4.5％ in bonus Famima Points on top of the usual 0.5％. No lottery, no entry form, no cap on the number of top-ups — it is purely a function of how much you move.

One thing worth being clear about: what you receive are Famima Points, not cash back. The good news is that one point equals ¥1 and they are applied to your FamiPay payments automatically — no manual redemption step. The bad news is that this batch is the “limited-time” flavour with roughly five months of shelf life, so it pays to decide how you will spend them before they land. (For how FamiPay’s rewards work in general — top-up methods, deferred payment, POSA cards — see the FamiPay guide for foreigners.)

Where the 5.0％ comes from

The Famima Card is normally a discount-at-billing card rather than a points card: 3％ off at FamilyMart stores, rising to 5％ once you link it to FamiPay, and 1％ off at other JCB merchants. Top-ups are explicitly excluded from those discounts — instead they earn a flat 0.5％ in Famima Points.

This campaign works on that 0.5％ layer, adding 4.5％ on top for two days only.

That table covers only the top-up leg. Push the same ¥100,000 all the way to Mobile Suica and you pick up a further 100 JAL miles and 500 ANA miles, for a combined 5.6％ ≈ ¥5,600 of value (see section 5).

The prerequisite: linking Famima Card to FamiPay

There is one easily-missed hard condition: the system has to be able to confirm your FamiPay link as of 31 August 2026. Without it, the 4.5％ will not arrive even if the top-up went through perfectly.

What kind of card is the Famima Card?

Linking is done inside the FamiPay app: My Page → Settings → Account Settings → Famima Card linkage, then enter your FamiPay PIN, log in to the card’s member site, and type the six-digit code emailed to you. Update the app to the latest version first — older builds tend to stall at this step.

The route map: where the money comes from and goes

The hard part of an offer like this is never the topping up — it is spending the ¥100,000 afterwards. FamiPay balance cannot be withdrawn as cash, so if you only drip it away at the konbini it could take half a year for that ¥5,000 to become real. Start with the trunk:

↓ from here it branches — pick one (or several)

If what you want is “reliable and low-effort”, exits A and B are enough: take the 5％, then move the balance onto Mobile Suica so it behaves like cash. Only read on if you want to squeeze the last fraction out of it.

The advanced route, leg by leg (5.6％ / 5.1％)

FamiPay automatically issues a JCB-branded “FamiPay Virtual Card” — a prepaid card whose spending limit is your FamiPay balance. Register that card number with JAL Pay and you can move the balance onward, shaving a thin layer off each leg.

Branch: JAL Pay can also top up au PAY directly (+0.1％), but au PAY caps third-party credit-card top-ups at ¥50,000 per month, so treat it as an overflow channel.

Note that the extra 0.6％ arrives as JAL and ANA miles, not cash and not Famima Points. The table values a mile at ¥1, which is a rough convention: redeemed against award flights a mile is usually worth more, converted to e-money it can be worth less.

If you have not opened au PAY yet, registering via au PAY gets you ¥300. The same “top up, then find the exit” logic is worked through at greater length in the Eraberu Gift × au PAY route guide.

How it compares with the alternatives

Laid side by side with the other common plays in the FamilyMart ecosystem, it is clear where these two days sit.

The conclusion is clean: the main course is the 5.0％ on the top-up itself, with the Friday POSA promotion as the side dish. Top up on 7 August to bank the 5％, then use that freshly-loaded balance to buy an eligible POSA card for another 0.5％ + 10％ — the tidiest double-stack available on these two days. The multi-hop route contributes roughly 0.6％ and belongs in the “if you have the appetite” category. Incidentally, the other main line for konbini spending is the SMBC Card (NL) — use that at 7-Eleven and Lawson, and this one at FamilyMart.

What to do on the day

1. Before the day: confirm the linkFamiPay app → My Page → Settings → Account Settings, and check that Famima Card shows as linked. If not, link it now (update the app first). This has to be verifiable by 31 August.
2. Before the day: complete identity verificationRaises your FamiPay balance ceiling from ¥100,000 to ¥300,000 so you do not hit the wall mid-top-up. Handled in-app, 24 hours a day.
3. Before the day: check what you have already used in AugustThe credit top-up limit is ¥100,000 per month. Whatever is left is your real ceiling for the 5％.
4. On 7 or 14 August: top upFamiPay app → Charge → Credit card, enter the amount and confirm. You can split it across both days as long as the total stays inside the monthly allowance.
5. Same day (Friday): stack the POSA promotionUse the balance you just loaded to buy an eligible POSA card at FamilyMart with FamiPay for another 0.5％ + 10％. The eligible list changes, so check the in-app notice first.
6. Decide on an exitAnything you will not spend soon can go to Mobile Suica via the in-app top-up (¥1,000–¥10,000 per transaction, Suica balance ¥20,000 or less), or clear utility and tax bills with the bill-payment feature.
7. Late October: check the payout and use itPoints land around the end of October and are limited-time (valid until the last day of the fifth month after issue). Set a reminder so they do not expire unused.

Cautions and gotchas

One common-sense note to close on: multi-hop top-ups are ultimately just moving your own money between wallets, and are not a cash-out mechanism. Providers take a consistently dim view of cash-extraction patterns, and a frozen account with your balance inside it is the real cost. Keeping to amounts you were going to spend anyway is the safest way to run this.

FAQ